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Health Insurance Is A Big Scam | Not Even One Rupee Will Come

Original: Health Insurance Is A Big Scam |เฐ’เฐ• เฐฐเฑ‚เฐชเฐพเฐฏเฐฟ เฐ•เฑ‚เฐกเฐพ เฐฐเฐพเฐฆเฑ

93.1K views ยท Feb 21, 2026 ยท 25:47 min ยท Watch on YouTube โ†—
Takeaway

Always check deductible, co-pay, and zone restrictions before buying health insurance - the cheapest premium usually has the worst claim experience.

Summary

  • Insurance companies rejected Rs 38,000 crore worth of claims in 2024-25 - awareness of policy fine-print matters more than just buying coverage.
  • Same policy at lower premium often hides traps: high deductibles (e.g. Rs 50,000 vs Rs 5,000) make small claims worthless to you.
  • Zone-based pricing trap: buying a Zone C policy from a small town then getting treated in Zone A (Hyderabad/Bangalore) leads to partial claim settlement.
  • Co-pay clauses (10-20% of claim borne by you) are even more dangerous than deductibles; prefer policies with no zone limitation.
health-insuranceclaimspolicy-traps
Original description 
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Thanks for watching.
Team Money Purse

Are you making a BIG mistake while buying Health Insurance? ๐Ÿคฏ
Most people lose lakhs because they donโ€™t understand hidden clauses, premium traps, and claim strategies.

In this complete Telugu guide, we break down everything you MUST know before buying a health insurance policy in India:

00:00 INTRO
03:12 Premium difference offline vs Online
06:57 2 Magic Traps
07:42 Where To Buy Insurance Policy
09:24 Best Strategy For life time renewal with out paying regular premium 
12:22 How To claim Reimbursement 
15:08 Can a pregnant woman buy health insurance?
16:57 Is it necessary to take pregnancy addon in health insurance?
18:05 Employer Insurance vs top up vs super-Up 
20:29 How Hospitals are cheating
23:07 Hidden Insurance Clause That Costs You Lakhs!
24:37 10 Point Check list for health insurance



Disclaimer: We are not SEBI registered. Before taking any positions, contact your financial advisor. we are not responsible for any Profits or losses; whatever we are providing here is purely educational and informational point of view